Mortgages

 

Explanation As To Terms And Effect Of Mortgage Offer

Detailed mortgage report provided on terms of the offer issued by the lender

Report will cover :

  • duties to the lender
  • importance of understanding terms of the mortgage offer
  • summary of main terms
  • buy to let mortgages
  • buildings insurance and/or life/investment cover
  • mortgage indemnity insurance
  • retention
  • undertakings
  • reports : valuation and supplementary
  • timing of release of funds

Access To Independent Financial Advice

Established connection with firm of Independent Financial Advisers who will be in a position to provide independent advice on the number of mortgage related issues including :

Mortgage Advice Proposition

There are many different options to consider when choosing a mortgage and it makes sense to take advice from a qualified mortgage specialist who is independent and can offer you products and services from the whole of the market place

Services of our recommended IFA (Brannan Phillips Independent Financial Advisers Ltd) (IFA) include : information gathering, assessing your circumstances, researching the ‘whole of the market’ providing a bespoke solution and includes implementation

Mortgage Products

In addition to the mortgages from high street lenders, building societies and centralized lenders, the (IFA) have access to exclusive mortgage deals available only to registered mortgage advisers : these exclusive mortgage deals are generally not available direct from the lenders

Type Of Mortgage

After consideration of your personal circumstances, the (IFA) will advise which type of mortgage best suits you :

  • tracker rates
  • discount rates
  • capped rates
  • fixed rate
  • flexible
  • offset

(IFA) can also offer advice on Lifetime Mortgages from their advisor who is specifically qualified to provide advice in this area : to fully understand the features and risks, a personal illustration should be called for

IMPORTANT NOTE :

Mortgage advice is provided by the (IFA) (Brannan Phillips Independent Financial Advisers Ltd of 2 Manor Square Solihull West Midlands : who are authorized and regulated by the Financial Services Authority (400743) at www.fsa.gov.uk/register

The (IFA) will charge a fee for mortgage advice : the precise amount will depend upon your circumstances, but the (IFA) estimates this will be £495. : you will have the option to pay the (IFA) a fee and receive any commission which they are paid by the lender : if you choose this option, the (IFA) estimates that the fee will be £495.

think carefully before securing other debts against your home

your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it

registered in England : 5069224

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